Is Cleveland, OH cheaper than Toledo, OH?

Based on cost of living data, Cleveland, OH is 9.5% cheaper than Toledo, OH. This translates to saving $709 per month.

What salary do I need in Cleveland, OH to live like I do in Toledo, OH?

If you earn $150,000 in Toledo, OH, you'd need approximately $141,488.164 in Cleveland, OH to maintain the same standard of living.

How does housing cost compare between Toledo, OH and Cleveland, OH?

Housing in Cleveland, OH is 3.6% more expensive than in Toledo, OH. For a two-bedroom apartment, rent is $1,180/month in Cleveland, OH compared to $1,075/month in Toledo, OH.

How much can I save per month by moving from Toledo, OH to Cleveland, OH?

Moving from Toledo, OH to Cleveland, OH could save you approximately $709 per month, or $8512 per year, based on a $150,000 salary.

Toledo, OH vs Cleveland, OH: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Toledo, OH

Numbers update automatically as you type

You'd save $709/month moving to Cleveland, OH

$150.0K in your current city equals $141.5K in Cleveland, OH

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 9.5%

Less expensive

Monthly Impact

$709

Savings

Annual Impact

$8.5K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Toledo, OH

Population:265K

Cost Index:

100

100 = national average

Median Home:$130K

Cleveland, OH

Population:384K

Cost Index:

(9% below avg)

Median Home:$128K

Toledo, OH

The Buckeye State

265K

Population

State Tax

Yes

Located in Ohio, this city has a population of 265K residents.

Cleveland, OH

The Buckeye State

384K

Population

State Tax

Yes

Located in Ohio, this city has a population of 384K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs Cleveland, OH

Category	Toledo, OH	Cleveland, OH	Difference	Change
Transportation	$1,617/mo	$1,366/mo	↓ $251less	15.5%
Other	$1,723/mo	$1,557/mo	↓ $166less	9.6%
All Utilities	$565/mo	$464/mo	↓ $101less	17.9%
Housing	$1,605/mo	$1,663/mo	↑ $58.50more	3.6%
Healthcare	$572/mo	$527/mo	↓ $45.33less	7.9%
Groceries	$963/mo	$969/mo	↑ $6.25more	0.6%

Transportation

↓ 15.5%

Toledo, OH

$1,617

Cleveland, OH

$1,366

Difference

$251

less

Other

↓ 9.6%

Toledo, OH

$1,723

Cleveland, OH

$1,557

Difference

$166

less

All Utilities

↓ 17.9%

Toledo, OH

$565

Cleveland, OH

$464

Difference

$101

less

Housing

↑ 3.6%

Toledo, OH

$1,605

Cleveland, OH

$1,663

Difference

$58.50

Healthcare

↓ 7.9%

Toledo, OH

$572

Cleveland, OH

$527

Difference

$45.33

less

Groceries

↑ 0.6%

Toledo, OH

$963

Cleveland, OH

$969

Difference

$6.25

🏛️ Local Income Taxes

Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)

Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)

Net difference$0/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$772

To$860

↑ $88.00

1 Bed

From$818

To$980

↑ $162

2 Bed

From$1,075

To$1,180

↑ $105

3 Bed

From$1,379

To$1,520

↑ $141

Toledo, OHZIP-level data

1BR range: $740–$930/mo

Cleveland, OHZIP-level data

1BR range: $810–$1,590/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,045

Monthly in Toledo, OH

$6,546

Monthly in Cleveland, OH

$498

Difference

Home Values

Toledo

Cleveland

$130K

Median Value

$128K

↑ +5.6%

YoY Change

↓ -2.1%

↑ +41%

5-Year Change

↑ +21.7%

$47K - $314K

Price Range

$59K - $291K

Homes in Cleveland are 1% less expensive than Toledo

Calculate payment - Toledo Calculate payment - Cleveland

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Toledo, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Cleveland, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Additional Tax Information

Toledo, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

Cleveland, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.